Loan companies like Zopa

Since starting out in 2005, Zopa has become one of the biggest names in peer-to-peer lending, but it's no longer alone in this space.

Important: As of 2021, Zopa is no longer in the P2P lending space, but they are still offering personal loans. You can still use this page to find and compare other P2P and personal loan lenders.

Alternatives to Zopa

Company Description Example Loan
Lendable Personal Loan Borrow Β£1,000 to Β£25,000 over terms from 12 months to 60 months. Soft search facility means that checking your rates won't affect your credit score. FCA firm registration number: 722768. Representative example: Borrow Β£7,500 over 36 months at a rate of 18% p.a. (fixed) with Β£440.00 fees. Representative APR 22.9% and total payable Β£10,144.52 in monthly repayments of Β£281.79. Check eligibility
Fluro (formerly Lending Works) Personal Loan Borrow Β£5,000 to Β£25,000 over terms from 12 months to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 723151. Representative APR 9.9%. The rate you are offered depends on your personal circumstances, the loan amount and the repayment term, and may differ from the Representative APR. Check eligibility
RateSetter Personal Loan Borrow Β£500 to Β£35,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768. Representative example: Borrow Β£5,000 over 1 year at a rate of 3.9% p.a. (fixed) with no fee. Representative APR 3.9% and total payable Β£5,195.00 in monthly repayments of Β£432.92. Check eligibility
Late repayments can cause you serious money problems. See our debt help guides.

What is Zopa?

Zopa’s online platform matches investors looking to earn bank-beating interest with borrowers looking to pay as little as possible on a loan. By cutting out the overheads associated with a traditional high street bank, Zopa aims to offer better rates to its customers.

Compare personal loan costs from a range of lenders

Before you take out a personal loan, it’s smart to read up and shop around. You can use the cost estimating tool below to see how much you’d be likely to pay for the loan that you have in mind from a range of popular lenders:

Table: sorted by representative APR, promoted deals first
Name Product Ratings Customer rating Finder score Total Payable Monthly Repayment Representative APR Link
Novuna Personal Loan
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Representative example: Borrow Β£10,000.00 over 3 years at a rate of 7.4% p.a. (fixed). Representative APR 7.4% and total payable Β£11,142.00 in monthly repayments of Β£309.50.
My Community Bank Personal Loan
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Representative example: Borrow Β£5,000 over 48 months at a rate of 25.0% pa (fixed). Representative APR 28.1% and total payable Β£7,955.24 in monthly repayments of Β£165.73.
Fluro (formerly Lending Works) Personal Loan
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Representative example: Assumed borrowing of Β£7,500.00 over 48 months at 17.9% APR representative. Monthly cost of Β£214.79. Total amount repayable of Β£10,309.78. Interest rate of 16.6% p.a.(fixed) and total fees of Β£150.00. Available for loan amounts between Β£5,000 - Β£25,000.
Lendwise
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thinkmoney Personal Loan
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Representative example: If you borrow Β£29,100 over 12 years, initially on a fixed rate for 5 years at 8.885% and for the remaining 7 years on the Lender's standard variable rate of 9.285%, you would make 60 monthly payments of Β£375.53 and 84 monthly payments of Β£380.29.
Tesco Bank Personal Loan
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Representative example: Borrow Β£10,000.00 over 3 years at a rate of 6.5% p.a. (fixed). Representative APR 6.5% and total payable Β£11,003.04 in monthly repayments of Β£305.64.
Zopa Personal Loan
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Representative example: Borrow Β£1,500.00 over 3 years at a rate of 22.9% p.a. (fixed). Representative APR 22.9% and total payable Β£2,028.60 in monthly repayments of Β£56.35.
Barclays Existing Current Account Loan
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Representative example: Borrow Β£10,000.00 over 3 years at a rate of 6.1% p.a. (fixed). Representative APR 6.1% and total payable Β£10,941.12 in monthly repayments of Β£303.92.
Lloyds Bank Existing Customer Personal Loan
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Representative example: Borrow Β£10,000.00 over 3 years at a rate of 6.7% p.a. (fixed). Representative APR 6.7% and total payable Β£11,034.00 in monthly repayments of Β£306.50.
Plend personal loan
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Representative example: Borrow Β£8,000 over 48 months at a rate of 16.66% p.a. (fixed). Representative APR 17.99% and total payable Β£11,013.12 in monthly repayments of Β£229.44.
Tesco Bank Clubcard Personal Loan
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Representative example: Borrow Β£10,000.00 over 3 years at a rate of 6.1% p.a. (fixed). Representative APR 6.1% and total payable Β£10,941.12 in monthly repayments of Β£303.92.
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Name Product Ratings Customer rating Finder score Total Payable Monthly Repayment Representative APR Link
Abound Personal Loan (formerly Fintern)
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Representative example: Β£2,000 loan repayable over 36 months. 36 monthly payments of Β£77.60. Rate of interest 20.2% p.a. (fixed). Representative 25.8% APR. Total amount repayable Β£2,793.60.
Lendable Personal Loan
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Representative Example: Assumed borrowing of Β£7,500.00 over 36 months at 34.8% APR representative. Monthly cost of Β£319. Total amount repayable of Β£11,497. Interest rate of 27.1% p.a.(fixed) and total fees of Β£360.00.
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With no guarantor

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Name Product Ratings Customer rating Finder score Total Payable Monthly Repayment Representative APR Link
Finio Loans Personal Loan
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Representative example: Borrow Β£10,000.00 over 3 years at a rate of 39.9% p.a. (fixed). Representative APR 39.9% and total payable Β£16,091.64 in monthly repayments of Β£446.99.
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With a guarantor

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Name Product Ratings Customer rating Finder score Total Payable Monthly Repayment Representative APR Link
1plus1 Loans Guarantor Loan
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Representative example: Borrow Β£10,000.00 over 3 years at a rate of 47.8% p.a. (fixed). Representative APR 47.8% and total payable Β£17,259.12 in monthly repayments of Β£479.42.
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With a guarantor who is a homeowner

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Name Product Ratings Customer rating Finder score Total Payable Monthly Repayment Representative APR Link
Norwich Trust Limited Unsecured Homeowner Loan
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Representative example: Borrow Β£15,000.00 over 3 years at a rate of 27.9% p.a. (fixed). Representative APR 27.9% and total payable Β£21,430.80 in monthly repayments of Β£595.30.
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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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